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<table width="100%" summary="page for Hdma"><tr><td>Hdma</td><td align="right">R Documentation</td></tr></table>

<h2>The Boston HDMA Data Set </h2>

<h3>Description</h3>


<p>a cross-section from 1997-1998
</p>
<p><EM>number of observations</EM> :  2381
</p>
<p><EM>observation</EM> :  individuals
</p>
<p><EM>country</EM> :  United States
</p>


<h3>Usage</h3>

<pre>data(Hdma)</pre>


<h3>Format</h3>

<p>A dataframe containing :
</p>

<dl>
<dt>dir</dt><dd><p>debt payments to total income ratio</p>
</dd>
<dt>hir</dt><dd><p>housing expenses to income ratio</p>
</dd>
<dt>lvr</dt><dd><p>ratio of size of loan to assessed value of property</p>
</dd>
<dt>ccs</dt><dd><p>consumer credit score from 1 to 6 (a low value being a good score) </p>
</dd>
<dt>mcs</dt><dd><p>mortgage credit score from 1 to 4 (a low value being a good score) </p>
</dd>
<dt>pbcr</dt><dd><p>public bad credit record ? </p>
</dd>
<dt>dmi</dt><dd><p>denied mortgage insurance ?</p>
</dd>
<dt>self</dt><dd><p>self employed ?</p>
</dd>
<dt>single</dt><dd><p>is the applicant  single ?</p>
</dd>
<dt>uria</dt><dd><p>1989 Massachusetts unemployment rate in the applicant's industry</p>
</dd>
<dt>comdominiom</dt><dd><p> is  unit  condominium ?</p>
</dd>
<dt>black</dt><dd><p>is the applicant black ?</p>
</dd>
<dt>deny</dt><dd><p>mortgage application denied ?</p>
</dd>
</dl>



<h3>Source</h3>


<p>Federal Reserve Bank of Boston.
</p>
<p>Munnell, Alicia H.,  Geoffrey M.B.   Tootell,  Lynne E.   Browne and  James  McEneaney (1996) &ldquo;Mortgage lending in Boston: Interpreting HDMA data&rdquo;, <EM>American Economic Review</EM>, 25-53.
</p>


<h3>References</h3>


<p>Stock, James H.  and  Mark W.  Watson (2003) <EM>Introduction to Econometrics</EM>, Addison-Wesley Educational Publishers, <a href="http://wps.aw.com/aw_stockwatsn_economtrcs_1">http://wps.aw.com/aw_stockwatsn_economtrcs_1</a>, chapter 9.
</p>


<h3>See Also</h3>

<p><code>Index.Source</code>, <code>Index.Economics</code>, <code>Index.Econometrics</code>, <code>Index.Observations</code></p>


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